I would hope that I am smarter about finances and marriage now that I have been through it once. I don't think I would hesitate marrying again if the right person came along and we were on the same page regarding finances.
Big mistake I made the first time around was building a house that depended on both of our incomes. If we would have just stayed in the first home then I could have paid for it myself. From here on out I will never sign my name to a loan without being able to afford the payments on my own.
I also will never have just one joint account where all money goes to that one account. I will have my own account, a joint account, and expect my significant other to have her own account. That way at the end of the month I can put my extra money wherever I want to put it.
Sad that I have actually thought about these things but lets face it, marriage is not a lifetime decision anymore. It is an extension of dating that says "I will stay with you as long as my rewards are greater than my pain." At least, that's the way I see it now.
I've heard my husband say this, too. He lost hundreds of thousands getting divorced, and had to start all over again...I try not to think of the $ side of things too much. Marriage is more than just money! (but it would sure be nice to have a little extra!)
I think at an early age marriage is a risk worth taking. For me I wanted to build a life that included a wife and kids and house, vacations, animals, a family nucleus per say and life would branch out from there.
But now, divorced male 51 years old having been there done that, what's my motovation? Conpanionship? Dogs are great at that! Sex? Heck I only think about that once a day at my age, no big deal there. The goals and wants and needs are so different at this point, never say never but I'm not sure what would make me want to get married again. Maybe a really awesome friendship, someone with a personality I couldn't get enough of.
If purely your "risk" in marriage is the financial hardships of a potential divorce, perhaps get a prenup.
That's what I am doing. I am engaged and have discussed finances. He was cool with it. It gives me security as I was married for 25 years previously. If I could get divorced anyone could....so I will do it for the peace of mind.